Shenzhen real estate market transaction threshold lowered and confidence boosted. With a total price of 8 million yuan, the house can save 184,000 yuan in interest.

According to relevant personnel from the LeYouJia Research Center, the recent comprehensive financial policies introduced by the government have played a significant role in stabilizing the real estate market and market expectations. For example, based on calculations, for a property in Shenzhen with a total price of 8 million yuan, with a combination loan and the latest mortgage interest rates, under equal principal and interest repayment, monthly payments can be reduced by 510.35 yuan, and total interest savings over 30 years can reach 184,000 yuan. This has lowered the transaction threshold for consumers and boosted their confidence and expectations. Experts from the Shenzhen Real Estate Agents Association stated that the targeted nature of these financial policies will have a direct impact on real estate transactions: lower housing fund loan rates will encourage potential buyers to enter the market and reduce the burden on existing borrowers; there will also be indirect effects, such as a 0.5 percentage point reduction in the reserve requirement ratio and a decrease in the open market 7-day reverse repo rate from 1.5% to 1.4%, which will increase market liquidity. This will play a positive role in maintaining the current stable trend in the real estate market.